Tesla Cybertruck Insurance: by Model Year & Company

Tesla Cybertruck insurance costs an average of $2,078 for a 6-month full coverage policy. Progressive offers the cheapest rate for the latest Tesla Cybertruck at $188/mo or $1,129 for a 6-month full coverage policy.

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What to know about insuring a Tesla Cybertruck:

The Cybertruck costs more to insure than most trucks. Averaging $346/mo for the Cybertruck versus $185/mo for typical trucks.
If you're considering a vehicle similar to the Cybertruck, like the Tesla Model Y ($283/mo), Tesla Model S ($336/mo), or Tesla Model 3 ($263/mo), your insurance costs will be more expensive.
Progressive ($186/mo), Nationwide ($241/mo), USAA ($275/mo) offer the cheapest full coverage rates.

The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.

Tesla Cybertruck Car Insurance Rates by State

State	Average Annual Premium
Alabama	$4,091
Alaska	$4,984
Arizona	$6,169
Arkansas	$5,477
California	$4,647
Colorado	$4,925
Connecticut	$5,689
Delaware	$6,873
Florida	$4,823
Georgia	$4,529
Hawaii	$3,495
Idaho	$3,314
Illinois	$4,827
Indiana	$3,488
Iowa	$3,564
Kansas	$4,670
Kentucky	$4,869
Louisiana	$6,644
Maine	$2,898
Maryland	$5,022
Massachusetts	$3,083
Michigan	$4,635
Minnesota	$4,941
Mississippi	$4,117
Missouri	$5,260
Montana	$4,377
Nebraska	$4,310
Nevada	$4,275
New Hampshire	$3,485
New Jersey	$4,318
New Mexico	$4,026
New York	$4,475
North Carolina	$3,459
North Dakota	$4,639
Ohio	$3,104
Oklahoma	$5,075
Oregon	$4,394
Pennsylvania	$4,493
Rhode Island	$7,010
South Carolina	$4,124
South Dakota	$4,519
Tennessee	$4,272
Texas	$4,348
Utah	$3,758
Vermont	$3,431
Virginia	$4,181
Washington	$3,617
Washington, D.C.	$6,038
West Virginia	$4,775
Wisconsin	$4,095
Wyoming	$4,060

Compare Tesla Cybertruck insurance costs vs other vehicles

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2025 Tesla Cybertruck

Av. Cost Per Year$4,276

Av. Per Month$356

Cheapest Companies

Progressive$185/m

Nationwide$244/m

American Family$271/m

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How much does it cost to insure my Tesla Cybertruck?

2025 Tesla Cybertruck

Cheapest Insurance Companies	Average Annual Cost
Progressive	$2,257
Nationwide	$2,849
USAA	$3,312
American Family	$3,387
State Farm	$3,868
Erie	$4,684
GEICO	$5,371
Allstate	$6,146
Farmers	$6,254

Compare all 2025 Tesla Cybertruck insurance rates.

Average Cost to Insure Per Year

$4,276

2024 Tesla Cybertruck

Cheapest Insurance Companies	Average Annual Cost
Progressive	$2,218
Nationwide	$2,923
American Family	$3,249
USAA	$3,284
State Farm	$3,722
Erie	$4,528
GEICO	$5,136
Allstate	$5,738
Farmers	$5,878

Compare all 2024 Tesla Cybertruck insurance rates.

Average Cost to Insure Per Year

$4,116